Personal Liability, day-to-day assessment and know-how
Personal liability (PL) affects everyone. It implies that every person must repair the damage caused to others, even if it is involuntary. In this sense, Personal Liability protects the insured from the financial consequences when he is responsible for a damage. The areas of loss covered by personal liability are…
Personal liability (PL) affects everyone. It implies that every person must repair the damage caused to others, even if it is involuntary. In this sense, Personal Liability protects the insured from the financial consequences when he is responsible for a damage. The areas of loss covered by personal liability are infinite. They are as numerous as the interactions that take place in our day. Whether the damage is caused at home, at friends' houses or in town, it is impossible to draw up an exhaustive list of potential claims.
Personal Liability, insurance for everyday claims
Personal Liability covers policyholders and their household members if they are liable for a loss occurring to a third party. There is, in fact, no limit to the list of potential claims in this category. And for good reason! They can occur anywhere: in the home, in the garden or outside.
In most cases, these are low-stakes claims that are resolved fairly easily in private negotiations. But some cases can prove much more complex to solve.
But some cases can be more complex to resolve. For these cases, the Stelliant group provides insurance professionals with a fluid and optimised investigation process throughout France, allowing them to contact a multi-specialist loss adjuster, either remotely or on site.
Seamless support to meet the challenges
While most situations are easily resolved when the insured party responsible for the loss declares the claim to the third party, some cases are much more complex or conflictual. This is particularly the case for claims in restricted areas such as the home, sometimes causing neighbourhood tensions for example.
In all situations, we offer insurance professionals different methods of appraisal and a local, technical and digital service depending on the nature of the case.
When necessary, a multi-specialist adjuster comes to the site, although we also offer remote adjuster services. By phone or video-conference, our adjusters estimate the assets and the extent of the damage on the basis of supporting documents provided by the third party before assisting each insured party in defending their Civil Liability.
We also offer innovative tools that allow the insured to declare their claim online to their insurer and to follow the processing of the file in real time.
Loss adjuster, manager and mediator at the same time
Our mission is clear: to meet the requirements of insurance professionals and their clients and to settle the case by mutual agreement (direct compensation from the insurer to the insured). If necessary, we can recommend an additional investigation when a specific point needs to be clarified.
Depending on the nature of the claim, loss adjusters specialising in specific fields (fire, environment, electricity, etc.) can be called in to coordinate their additional skills in order to support the conclusions reached in the context of a private life liability claim.
Although this is a technical skill, it never neglects the proximity and the pedagogy necessary to accompany each of the parties in the event of a conflictual or litigious situation. Like mediators, our experts are aware that an amicable solution is the quickest way to close a case and optimise costs and time.
With this in mind, insurance professionals can also count on our delegated management subsidiary, which also handles liability claims. Our managers take charge from A to Z of a specific type and volume of cases for a smooth delegated handling, with a single point of entry.
handled each year